Monthly Archives: February 2016

Safety Glass Coverage on Auto Insurance

by Patrick Ramsay

While there are worse things to find on your windshield than a chip or a crack, windshields are a notoriously fragile part of vehicles and oftentimes. insureCAL’s safety glass coverage with auto insurance will slightly increase your premium, but when you need your windshield repaired or replaced, there is no deductible.

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Generally, if a chip or crack on your windshield is smaller than a dollar bill, it could be repaired in most cases. What happens when you have safety glass coverage through insureCAL? One of the most important parts of windshield repair is that you must get it fixed and reported to insureCAL as soon as possible.

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The repair process for a chip or crack generally takes less than 30 minutes. After a windshield repair, a blemish will be visible but will fade with time. Contact insureCAL to add safety glass coverage to your auto insurance policy! We’ve got your windshield covered so you don’t have to sweat the small stuff.

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A Look at Farming in 2050

by Patrick Ramsay

In 2050, farming may be moving to the city. Today, with over 7 billion human mouths to feed, approximately 40% of this planet’s total landmass is used for agriculture to produce the quantity of food necessary to sustain our world’s population. By the year 2050, the world population is expected to grow to 9.6 billion and according to the FAO (Food and Agriculture Organization of the United Nations), food production will have to increase by 70 percent in order to avoid mass malnutrition.

Using less water, while at the same time producing more crops will be essential in addressing water scarcity problems as the demand for water will also increase with the population. Land will also play a pivotal role in feeding a world with 2.3 billion more people. Sufficient global land resources are available to feed future population, but much of the land is in areas riddled with obstacles like insufficient infrastructure and endemic diseases. These obstacles aren’t impossible to overcome, but it will prove difficult to use much of the available land for agriculture in the future.

Various ideas have been proposed to address the issues surrounding population growth and the best, most environmentally-friendly ways to feed the world. One of the most promising solutions to an overpopulated world facing starvation may actually be found in the middle of the urban areas.

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Vertical Farming is a component of urban agriculture — imagine a skyscraper stacked with floors of produce in the middle of an urban area. Vertical farming is the practice of producing food in vertically stacked layers, in vertically inclined surfaces, and/or integrated in other structures. By the year 2050, roughly 80 percent of the world is expected to live in urban areas. Vertical farming could remove the need for soil and sunlight, meaning the expansion of land for agriculture wouldn’t be necessary and the amount of water used to produce crops would drop significantly. While this is one proposed idea among many, it raises the question: what will become of our farmers in rural areas?

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Flood Insurance and Godzilla El Niño

by Patrick Ramsay

You’re familiar with the saying “When it rains it pours,” but there’s a new saying being passed along California: “When Godzilla El Niño rains, it floods.” Though California has been in the midst of a drought for four years, there is no time more vital than now to protect your home with flood insurance. For most California homeowners, floods don’t rank among their highest concerns. Scientists are expecting this year’s El Niño weather cycle to be incredibly strong, potentially even surpassing the El Niño weather cycle of 1997, which was the strongest on record according to the National Weather Service.

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In high-risk flood areas, there is a one in four chance that someone with a 30-year mortgage will experience flooding. Even homeowners in medium-to-low risk areas can be financially vulnerable to flooding. According to FEMA (Federal Emergency Management Agency), people outside of mapped high-risk areas file over 20-percent of all National Flood Insurance Program flood insurance claims and receive one-third of Federal Disaster Assistance for flooding. FEMA also emphasizes that flooding can occur anywhere that it rains. No matter where you live, a few inches of water can cause thousands of dollars of damage. Just like every other type of insurance, it is vital to understand what is and isn’t covered. From the insured building and its foundation to furs, artwork, and curtains, flood insurance will provide coverage. For a full list of what’s covered by flood insurance, click the following link: www.floodsmart.gov/whats_covered.

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Be proactive about protecting your family, your home, and your belongings. There is typically a 30-day waiting period from the date of your purchase before your policy will go into effect, so do not wait to get coverage. Contact insureCAL today to learn more about their flood insurance programs before it’s too late.

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Beating the Heat with Xeriscaping

by Patrick Ramsay

While El Niño is set to bring some much needed water to California this year, it will not end the drought. According to the Association of California Water Agencies, no single factor is going to determine when the drought ends. With that being said, there are some ways the everyday Californian can do their part in conserving water while also boasting a beautiful yard. One of these ways is called xeriscaping. The term xeriscaping is derived from the Greek word “xeros” for dry and “scape” for a place or scene. It literally translates into “dry scene,” but it actually refers to a method of landscaping that includes mostly native, drought tolerant plants that reduces or eliminates the need for supplemental water from irrigation.

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Staying green during a drought has never been more important. While many Californians are experiencing restricted access to water due to emergency conservation measures, they can still maintain the appeal of a well-cared for property through xeriscaping. One of the greatest immediate benefits of xeriscaping is that it saves money on water bills while also requiring a lower amount of maintenance. Not only does xeriscaping save money and time on maintenance, it reduces the amount of waste going into landfills.

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The planting options for xeriscaping reach far beyond California. Drought tolerant plants can also come from places with similar climates to California, such as Southern Europe, North Africa, Western Asia, South Africa, and Australia. The exotic array of drought tolerant plants from other countries is often overlooked, but there are a growing number of resources and nurseries that are specializing in xeriscaping plants, the trick is finding the right plant to meet your style. Which plants will you feature in your xeriscape?

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Don’t Wait to Buy Life Insurance

If you’re anything like me, you’ll do whatever it takes to save money. Which is smart, it is always good to have savings for a rainy day. However, there’s one thing many people are waiting to buy, and it could really cost you. Below you will find reasons you should not delay purchasing life insurance:

1. The younger you are, the cheaper it is. Life insurance uses mortality tables based on age to determine your rate. Every year you wait, you’re just making your future premiums more expensive.

2. Get it now while you’re healthy. Preexisting conditions can make life insurance expensive, but if you get the policy while you’re still healthy you’ll be happy with how little you have to pay for peace of mind.

3. The future is unpredictable! If you had complete control of everything, life insurance would be useless, but that just isn’t the case. In this uncertain world life insurance might be the only thing able to take care of your family and final expenses if something awful were to happen.

4. It’s better to have it and not need it, than to need it and not have it. I’ve never met a family who used life insurance and then wished they didn’t have it. It’s similar to auto insurance; you buy it, and hope you never need it.

5. It will accrue more interest than any savings account or bond you might purchase. If you get it when you’re young it could easily become your retirement! Why keep your money in the bank where it won’t grow more than a few dollars?

“It’s better to be a few days early than a day late.”

 

by Dylan Delhart, Financial Advisor @ insureCAL Insurance Agency